22165 Winchester WayColfaxCA95713
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 22165 Winchester Way, Colfax, CA, 95713 in Colfax fits: $825,000, 5.86% gross yield, and a projected 5% annual appreciation rate adding $227,932 in value within five years. Rental yield 5.86%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.09) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,598/yr in principal paydown and $227,932 in appreciation project a total return of $242,720.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.0% |
| Monthly Cash Flow | $(1,091) | $1,200 |
City averages based on Colfax market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,030 |
| Total Monthly Debt Service | $4,792 |
| DSCR Ratio | 0.84x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2000
3.40 Acres lot
$N/A/sqft
$200 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2000
3.40 Acres lot
$N/A/sqft
$200 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cheryl Cook • Intero Real Estate Services
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225035737
Disclaimer: Every person who intends to view or use such MLS information agrees to Terms of Use that include the following terms and conditions:All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2025 MetroList Services, Inc. Information being provided by Metrolist Services, Inc. is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. [Click here for more information](/mls-disclaimers/#16)